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Lenders

If you are borrowing money to purchase your home, the first step in the home buying process is choosing a lender. Sellers will want to see a letter from the lender which expresses some type of “pre-approval” for a mortgage. This letters generally accompany the offer to purchase. So, be ready when you find the home of your dreams. Have your mortgage “in process”.

My first question to buyers is to ask who they have in mind for a lender. Sometimes, buyers have an established relationship with a lender. Often, this is not the case, especially with first time homebuyers. My recommendation is that you have a face-to-face relationship with your mortgage banker. It is much easier to move the process along if you can see the person and talk with them by phone.

If buyers do not have a lender, I do make some recommendations. The following are two lenders that have proven to provide excellent service to buyers.